Cheap California Vehicle Insurance -- These Will Attract Massive Savings

It is easy to get very low quotes and pay much less for the right coverage the moment you know what to do. I'll show several steps to take if you want massive savings that won't leave you with inadequate coverage...

1. Your rates will jump through the roof if you modify your car. Things like changing your tires to bigger ones than specified by the manufacturer, adding equipment that will increase your car's horse-power will cost you a lot more. Any changes to your vehicle takes your rates up.

2. Drivers who don't make claims for above 3 years generally get a special discount for this. A number of California insurance providers may not give this discount without some persuasion.

If your insurer is one of those who don't give this discount let them know clearly that you'll go to another insurance carrier. With this kind of driving record getting a much lower rate is certainly very easy because claims-free policy holders are every insurer's dream.

However, oftentimes the threat of leaving from you is enough to force them to give a concession.

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3. Do you know that some folks are paying much more in auto insurance because of where their homes are? Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. This doesn't come readily to mind when you're shopping for a new home. Does it?

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

4. If you keep collision and/or comprehensive for an old vehicle which isn't a classic, then you're spending a lot more than is necessary. The reason for this is that insurance companies base your compensation on what is known as the Kelly Blue Book value of a vehicle when you file claims. This means that not minding the amount you've paid and the number of years you did, you will get NOT even a cent if the book declares the vehicle is not worth anything by the time you make a claim.

Do the right thing and cut out both of them from your car insurance policy. Doing this will save you much and not put you at risk in any way.

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5. Don't try to give false details in your bid to attract lower rates. Present details just the way they are. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you're one such people who don't care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

7. You'll save if you exclude rental car coverage from your policy. Do this unless your credit cards does not offer you the benefit of rental car coverage. More often than not, you'll discover that your credit card provider has already given you this coverage as added value. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

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8. The most important key to huge savings in auto insurance is comparison shopping -- Provided that you do it well. You can get quotes that will have a range in excess of $1,000. You could easily save so much by just choosing the lowest quote. That should apply if you're just after the lowest price.

However, if you're looking for the best price/value then you'd have to look at the details of the lowest quotes. Different insurers may have different exclusions for similar policies. It's important that you ask the agent what's included and what's excluded.
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